Page 3 - Crosbyton Benefit Guide 4-1-24a
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Important Information




         The intent of our benefit guide is to briefly highlight your benefits and NOT to replace your insurance
         contracts or booklets. The information has been compiled into summary form to outline the benefits
         offered  by  our  company.  If  this  benefit  guide  does  not  address  your  specific  benefit  questions,
         please refer to the Contact Information page of this booklet. The contact page will provide you
         with the information you need to contact the specific insurance carriers and/or Business Office for
         additional assistance. The information provided in this summary is for comparative purposes only.
         Actual claims paid are subject to the specific terms and conditions of each policy contract. This

         benefit guide does not constitute SBC’s, policy or contract. EMPLOYEE NAVIGATOR, our Employee
         Benefit Portal includes plan information, summaries, costs, carriers contact information, videos and
         more.

          Who is Eligible?

          If you are a full-time employee, working a minimum of 30 hours per week, you are eligible to enroll in the
          benefits described in this guide. New employees are eligible on the first of the month following 60 calendar
          days  of  employment.  Family  members  are  eligible  for  medical,  dental,  vision  (see  benefit  page  for
          dependent children age requirements).

          When to Enroll?

          All employees are required to complete the New Hire online Enrollment
          through EMPLOYEE NAVIGATOR at new hire and once a year during the
          Annual Open Enrollment.  You will be provided an enrollment link through
          Employee Navigator. Contacts are on Page 30  Open enrollment is in
          March for a April 1st effective date.




         Can I make changes during the plan year?

         Yes, you have HIPAA Special Enrollment Rights. To review these rights, please refer to page 38 or the Library
         section of your Benefit Website.






                                             LAW TO HAVE HEALTH INSURANCE or PAY!

                                             Individuals  are  still  required  to  have  medical  unless  you  have  qualified
                                             waivers  as  mandated  by  current  law.  The  penalty  for  not  having
                                             coverage ended January 1, 2019.



             Please note that ALL Blue Cross Blue Shield of Texas )BCBS) medical plans offered by SkyBlue
         Healthcare meets the “minimum value standard” for health coverage according to the Affordable
              Care Act (ACA).  Pan American meets “minimum essential coverage” according to ACA.

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